theLisaMorni

 Assalamualaikum, Today, I nak share berkenaan Black Friday Sale. Haritu baru je sale 11.11, nie pulak Black Friday and kebetulan sale pulak betul-betul lepas gaji. The best part is, gaji I pun masuk one day early that usual date! I guess, company nak menggerakkan ekonomi syarikat which is they want their staff to shop at their mall before Christmas. Apa yang I nak share for this Black Friday Sale is, I managed not to buy anything. I bukan lah memboikot this sale. But bulan ni, my budget has burst and I have spent almost within my budget. Tak kan tak ada nak beli apa-apa kan? Yes, I ada nak beli during that sale. Actually, I nak beli this Lego Mario Set for my son.  My husband lah yang suka survey benda-benda macam nie, and he found that online is cheaper than physical store. Lagipun I pun mmg dah check Lego di Sunway Pyramid last week. The sales lady told me, Mario set tak ada promotion for Christmas promotion. My hub plak worried that the set will out of stock since it is Ma...

 Assalamulaikum.. Macam mana nak survive apabila musim sale? Lagi-lagi lah sale 11.11 or yang akan datang nie sale 12.12 and sale Christmas and sale New Year and more to come. Sebelum tu, kita kena faham lagi time pandemic nie, kebanyakan penjual penjual kejar sale. Of course kebanyakan company akan buat sale untuk memastikan income masuk. Kita pulak tak boleh nak salahkan mereka kerana they also have worker to feed kan? Sekarang nie, terpulanglah kepada diri kita sendiri macam mana nak control from purchase barang-barang online nie. Sebelum sis cakap pasal control impulse purchase nie, kita kena faham mengapa kena control spending during pandemic nie sebab kita tak tahu apa akan berlaku pada masa hadapan. That is why time macam nie, kita kena maximize cash in hand. Kita tak kan tahu bila income kita tiba-tiba tak ada, ataupun tiba tiba gaji kena potong ke apa. Sis bukan nak takutkan korang, tapi kita sediakan payung sebelum hujan. Enough scaring u guys, kita pergi main point kita ...

 Assalamualaikum.. Bulan nie sis nak review spending sis untuk bulan 10.  Alhamdulillah, total expenses (include fix) dibawah budgeted.  How I do it? - track spending is a must kalau u tak buat cash envelope. Sis tak buat lagi cash envelope so sis tak nak komen pasal cash envelope. - every 3 days update allocation so sis tahu sis dah guna category mana. - sis cuba untuk tak spend in that category kalau dah over spend. - kena ada disiplin lah sebab kalau tak ada, memang tak berjaya sis spend below means. Time PKPB macam ni actually is a good way kita nak control spending kita sebab kita tak leh nak ke mana- mana sangat especially you have young children at home. Lagilah kita tak boleh nak travel which travel pun required a lot of money (depends on personal la kan?) Sejenis sis ni daripada dulu, I do not have any savings for travel or things that I want. So what I do is, I always charged to my card. So thats why hutang credit card sis melambung lambung sampai tak cecah tana...

  Assalamulaikum. Sebelum ni, sis sharing that sis berjaya buat bajet based on my spending. Crucial part nye nak track spending.  Mengapa crucial? Sebab you kena truly focus on recording every money you have spent! How? Macam pengalaman sis, banyak giler apps boleh keep track spending nie. Sis dah cuba banyak jgk dengan google - best spending app, best budget app - google je yang berkaitan, and it will come out. The problem with these apps are you kena bayar bila nak guna. Apabila kau dasar cheapskate (I mean myself), mestila nak guna yang free saja. Apa beza free dgn bayar? Of course apabila kita cakap pasal free, kau akan dapat limited feature. And based on my experienced, sis selalu kena limit categories, or u hanya boleh update tracker for few days and ada pulak jenis you boleh limit acc. So dia akan jadi tak accurate. Lagi satu apabila kita guna apps nie, sis tak tahu macam mana nak reflect exactly how much money inside my bank acc after spending and so on. So kita kena b...

 Assalamualaikum.. Kali ini, sis nak cerita pasal my financial freedom journey. I just started and I want to record it here. Banyak giler tips sis baca and any apps pun u guna, they will required you to have a budget. So here I am, creating budget to myself. It is really hard to start with but alhamdulillah I made it. Sis berjaya create budget. Why the first step is the hardest apabila nak buat bajet?  Sebab, apabila kau buat bajet based on kebanyakan financial advised - contoh: 10% saving, 10% entertainment and so on. Then kau sedar, that hutang kau dh over bajet kalau guna allocation macam tu. Kau pun putus semangat nak buat. Itulah yang terjadi kat sis. Huhuhu Apabila sis dah tersangkut, sis learnt from my work apabila kita based on previous spending buat bajet. So dekat sini kita kena track spending. Track spending ni memang susah, but inilah step pertama yang sis ambil.  Jujur sis cakap, sis dah berapa kali cuba track spending tapi selalu gagal. But this time, sis gu...

Dalam minggu nie, aku terdetik hati nak share satu cerita kat sini iaitu tentang rezeki. Iaitu kisah aku dgn rezeki daripada Allah swt. Paling meninggalkan kesan kepada aku ialah kawan aku pernah offer satu kerja dan kebetulan masa tu aku serious dah tak tahan dengan current job situation and aku nak berhenti macam tu jer. Disebabkan pengalaman lampau aku, aku amik approach untuk istikarah dan meminta petunjuk dengan Allah swt patut tak aku terima tawaran tersebut. Tawaran tu yang sangat menarik sebab dia nak guna nama aku kat kedai makan dia and aku akan dapat certain percentage. Lagilah aku excited sebab aku selalu mengimpikan ada kedai makan sendiri and its like dream come true. Tapi, masa tu aku cakap kat kawan aku, aku tengah tunggu bonus and also aku pun tengah tunggu keputusan interview, let me wait till my bonus. Dia pun masa tu tengah settlekan some paperwork which till then baru aku boleh masuk. Somehow, apabila dia cerita buat aku rasa patut ke tak aku tolong dia sebab ini m...

Last Sunday, I was attending a program called YSEALI Boot Camp at UiTM Shah Alam. They actually have started this boot camp at few other places for this year and Shah Alam is the last 3 places they have organized. If you happened to read this and would like to know more about it, you can try to google and enroll their phase 1 boot camp which I have attended earlier. But, this write up is not to talk about this program but actually what I felt after this program. Frankly speaking,  it is really an eye opening program for me and I have gained so much knowledge from all the participants that day. They were really great and amazing. Most importantly the energy they projected out was really positive and that has made the event so much fun and enjoyable. In this event, they have invited speaker guests from a political organization which they shared their journey to achieve their caused. It is very inspirational sharing. Some might think that they have political agenda and ...

After my last write up, I have went through my last year topic and I found that I did shared  almost the same topics and how I have successfully overcame it. Guess what? It is just the same process. The key point is always sabar (patience), grateful and keep on praying. Does not matter how hard your test from Allah swt is, if you patiently waiting and keep on praying, grateful what you have now. InsyaAllah you will found your way. What I want to share today is about recent payout bonus given by my company. Usually my company will distribute bonus before Chinese New Year. Same goes this year, staff getting their bonus days before CNY. When the day come, everyone nervously checking their bank account and they saw the amount they received lesser than previous year. Most of the staff started to complaint why they get lesser than last year and some demotivate to work. Why this is happening? Expectation vs reality - the reason the staff is so frustrated. We expect getting the ...

Few weeks ago, I was being temporary transferred to other site located in KL. That particular site is one of the most challenging site because of the client is quite demanding.  Most of my friends and colleague were really unsupported about it including my partner. They were really shocked and not happy for it. They started to give negative comments on the situation and it has worsened my mood which I was not in  a good state of mind. The instruction from the head is clear - I must go there next week (short notice). Let me explain on my position in my company, I am not attached to any site with client at that time. Management has agreed to release me from my previous site that time and has appointed my other colleague to supervise my previous site. So I will be focusing on 'company' property rather than client property.  My new manager that time informed me that they will release me once they get new staff. They have managed to hire a new staff which he is se...

Assalamualaikum, Bismillahirahmanirahim. Pet Peeve:  something that a particular person finds especially annoying. Setiap orang ada perkara yang dorang rasa annoyed sangat, sehingga boleh menyebabkan marah. Ada orang akan rasa, benda kecil je tu, kenapa harus marah? Beb! kau bukan aku, aku bukan kau. Macam haritu, Sofea mengotorkan bajuku apabila kami sedang outing! Terus ku rasa nak marah jer. Encik Suami terus menegur, kalau I, u akan cakap 'mengapa nak marah? benda kecil kot. Nie sekarang u nak marah marah dah kenapa?' Hokay, defensive mode on 'Benda u marah tak da efek sampai ke petang, ni kita nak keluar ni, I nak pakai baju nie sampai petang kot!' hahahaha.. for sure u oll yang baca, u oll akan cakap -- my husband is correct.   This just a reflection jer, benda dah lepas. But for sure, some people trigger to certain thing differently. Jadi, Lisa nak share few things yang annoyed Lisa sampai tahap tertinggi!!! Lisa Top 3 Pet Peev...